Innovative banking for climate tech

The powerful banking platform for founders, investors, and builders in clean energy, carbon capture, sustainability, and beyond.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Climate tech has big goals. This is banking that helps you get there.

Boost your runway

Access a range of climate financing solutions, from climate-focused grants to venture debt.

Climate-specific perks

Get discounts on carbon credit programs, plus emissions & ESG tracking solutions.

Support from experts

Our relationship managers specialize in your industry — and they’re with you every step of the way.

Expand your knowledge

Join events and expert-led sessions designed to help founders sharpen their playbook.

Startup-friendly terms

Qualify for corporate credit cards with an industry-low balance minimum & higher credit limits.

A built-in climate ecosystem

We regularly host climate events across the country to connect you with investors, partners, and more.

Everything you need for smooth banking

Bank at your speed

  • Fast online application and onboarding
  • Start spending immediately with virtual cards
  • Complete any banking task in just a few clicks
  • Bank anywhere with an intuitive mobile app

Simple money transfers

  • Deposit money and pay vendors in three clicks
  • Pay via ACH, check, or wire
  • Create auto-transfer rules between accounts
  • Set up recurring payments
  • Easily share receipts with your team

File 1099s right from Mercury

  • Collect W-9s and prefill forms with AI data extraction
  • File Federal and State 1099-NEC and MISCs for the 2025 tax season
  • Track progress and correct or void filings as needed
  • No exports or third-party tools required

Your needs are our priority

We’re always looking to build features that support scaling climate tech companies. Email us your suggestions anytime at climate@mercury.com.

Access an entire financial platform powered by your Mercury account

IO credit card

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback here with startup-friendly credit limits.

Treasury

Earn yield on idle cash right alongside your operating accounts.

Venture Debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

Mercury is built by entrepreneurs, for entrepreneurs. With their unrivaled venture debt and all-in-one financial platform, they’re the ideal partner for us to build and scale our business long-term.

Jonathan Segal Co-founder & COO, Zeno Power

Frequently asked questions

How does Mercury support climate companies?

Mercury supports climate companies from all stages with climate-focused financing & grant writing partners as well as growth capital, flexible products for your finance team, and climate perks packages with partners across the finance stack. We are dedicated to continuing to build products for climate founders.

What do I need to apply for an account?

You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document) for at least one person with operating control of the business, as well as any owner with at least 25% ownership of your company. You must be formed and registered in the United States or a U.S. territory, and have a U.S. or international address for your principal place of business. This can be a residential address.

What does it cost to use Mercury for businesses?

Mercury business banking is free to use. There are no minimums, overdraft fees, monthly fees, or account opening fees, although certain advanced features may incur fees. Customers can select a paid plan (starting at $35/month) for access to these advanced payment workflows.

Is wiring USD internationally really free?

As a Mercury customer, you have the option to send USD international wires for free. Two options exist on how those wires are processed; standard or with an option to pay a fee to absorb intermediary charges.

How does Mercury keep my money safe?

Your checking and savings deposits are held in your name across a sweep network of multiple regulated banks. Mercury’s fraud engineering and compliance teams work to spot suspicious activities.

Are my deposits FDIC-insured?

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and their use of sweep networks.

What platforms does Mercury integrate with?

Mercury is fully integrated with accounting tools like QuickBooks Online, Xero, and NetSuite, and with payroll providers such as Gusto, Sequoia One, ADP, and TriNet.

Open an account in 10 minutes or less

Operate at your best with business banking built to move your company forward.